. >> i'm of a huge fan of education. i think everybody should do their best to get a college education. however, there is a difference between going to a state school where you're paying 20 to $25,000 a year for an education and going to a private school for 50 to $60,000. i can't justify the additional financial difference. again, i think a college degree is important, but i don't think you're getting an extra $40,000 a year benefit by paying for an extra school. >> i would love to retire in manhattan. but it's so expensive. i guess you got to be willing to move. >> you have to. new york, new jersey, the average property tax in my town is $18,000. if i were to move down south, $18,000 could buy a $300,000 home. then i could take the equity out of my home and live on it. living in the tri-state area is expensive. for most people, once kids are out of school, they have to say, does it make sense to have these expenses. >> for once in your life, you have to budget. if you've never done it before, you have to do it. >> ther